# POSTAL EMPLOYEES
HUNTSVILLE, AL · NCUA charter 64774 · asset band <$50M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/postal-employees-64774

Who the members are: state charter, organized 1928. 245 members of 600 potential (40.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.9M |
| Members | 245 (-19.9% YoY) |
| Full-time staff | 0 |
| Net worth | $400,929 |
| Net worth ratio | 13.7% (p59 of band) |
| ROA (annualized) | 0.00% (p27 of band) |
| Total delinquency | 0.82% (p57 of band) |
| Net charge-offs (annualized) | 0.00% (p19 of band) |
| Loans / shares | 26% (p12 of band) |
| Cash / assets | 75.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.47% (p5 of band) |
| Operating expense / assets | 1.47% (p6 of band) |
| Vehicles % of loans | 79% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.04% (p69 of band) |
| Vehicle NCO | 0.00% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $10,321 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $12,611 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, loan book shrinking |  |
| 2017-06 | 3 | members leaving | loan book shrinking |
| 2017-09 | 1 |  | delinquency rising, members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | members leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | loan book shrinking | delinquency rising |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 2 |  | loan book shrinking, assets shrinking |
| 2020-03 | 4 | assets shrinking, loan book shrinking |  |
| 2020-06 | 6 | margin squeeze, delinquency rising |  |
| 2020-09 | 5 |  | assets shrinking |
| 2020-12 | 5 | assets shrinking | margin squeeze |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-24 [Norwalk Postal Employees Federal Credit Union merges into Skyline Financial Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOMkRpam9ORG55ZkZROWZoelpOUnNCUlY2c3ZCNUJfNWM4cHVHaENiMG95OWJlajJyU0ZlOWZvZFkxNFRnZHlLUzlXVmJjRjJEU2dIaUc0LXQxUDk0MS12Qk9CNEE1ODd3WWJoUXBNVUJRNVhlZXVDWmszakZXR3VxM1kyWTZSREdnVFJvSGVJTVhfWDlEQUlGMkIzb1FvTUZaX0xhY0hOM3lCeWgycllvaGRrV2hJSV93QzFLMXhoZEl6YmVXVThUNmdhZEZ6NmxjVG9Z?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2026-05-06 [Credit union merger approved by state - Hartford Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNVRQQWE2WjJXRjlHZmIxTTNFZDQweHIzZ2JRZEw5aVdzS3U4cnVvTFFxWDZVaGJzVXQ1b3phN3pEbVMya3pTZ0x2S1dLb1l3RFdOTjlud0JwVjI2QlotSGZXYTBmaGNOSE8tamFKbjRGdHU0RVV4dF9ZV2ZKQ0JGNQ?oc=5) · Hartford Business Journal
- 2025-08-29 [NCUA Bans Former Wisconsin CEO, Louisiana Head Teller for Alleged $1.7 Million Theft - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNM1pNeW5nNTZMS2VhWWdMQ003N2dhTTgtN05NSkpZOWVxT2pnVFFSN1hHakJmd2tGUGVqNlhGNldMX0VrU3NubHBJWEtVT2d5a0NrR01EUGdZUDh0TGRzc3U4d1NqVTJBVWJyQmp5TU04b2FYZlZpVlVGSElkSzkxRE1HZWNMcTh5Mmt4UHBwRS1BWVkyNUJIZ29jb21OZlU2ZklaY3Q3aU5LaTM4TG9odDFKcW1MYU5F?oc=5) · CUTimes
- 2023-07-28 [New York DFS Places Yonkers Postal Employees Credit Union Into Conservatorship - PYMNTS.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWGNqWFM5a0tWRm9KYkJqdHBfRVRjR1R5TlZWR3J4ZHNtOG45dzVNUWs0eXZ1WWxMcVVRdEs0UEVPNWMtajctM0E0OVVWbW92MUJrcGNIUlp2RVdraXZhZU1aUThyc21WYnlyNkhUMU5KMUpLV1NseFU4UFVCNFFtNjh6V1dacTNOZ2tZbEZjMThBQU0yaDQ3ak1WU1R0WVhZaEM3VlZqZzAyOWItdUZTN3lRejB3dWNiWWVFZUlB?oc=5) · PYMNTS.com
- 2017-07-05 [Local credit union merges into USF Federal - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdXZtdG5aNjlSTkRXSU1Ubm9RalIzaVFZNGtWLVRDNHRxSDZHeXJuWTBMMHNOOVZlc3lYX0RaQzBiSFlWeEFad0ZfUi1TVEM4UlllN3JiemF3T2d5M3B5aGszTXZqUkxPdjdhQlhudGRVU0o3UXJTSXpFcXhKVURXRWlHSnZoM2xPQnBqNjhSOFkxVk1OT1FSQkVWc2dsSHV1OHZRRThMelM2a0VJY1lz?oc=5) · Sarasota Herald-Tribune
- 2014-05-01 [Postal Credit Union will change its name in June - The Business Journals](https://news.google.com/rss/articles/CBMiswFBVV95cUxPLVF3bDBlMzdJdnlwN01jbG1iQmJ5aWVoeXNLNURrcE5INE0tdUtLNzctd0ozMDZTMUVGRFE2MkdwOExmLWNnUHY2akVBOG03NEt4ZE5JeEszSFBJOGNMWDZiV0swek9LQ2xkcjZCamItWEdyZ0wwR3JXX2k5QkNGNGFDVDJpUmhBUFZZTVNQNUE4Y0JZT0cyeVBycVNpeXR0ZWRjVGlONnI1QWJoRjl0ZDNqRQ?oc=5) · The Business Journals
- 2020-07-27 [Forlorn midcentury modern bank in SE Portland becomes sleek company headquarters (see before, after photos) - OregonLive.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOTWhoX3BPUEFUT01qR1g3MW5lRlg5MldSTTVzR2NrOGxSbHRybjJnMFRFQjkybDAyRERLZjYtaGJjM2VEWGxRMUJyV3plN0pHTXR4RXZuMDdDdG9jaG1ON1dPZ3NiWk1iOHJaQ3RkSWVrNkU4MzFJWG9zMnJyOFBKTFZDN1Z5bzFZc0xrYUlUcXN3UXhVeWhBaklXc0JQWGdQNTVwN01mai1PM2hyaWY1ODZwcGtwbTctcVV1ek1VTUctRVR5emg1YlBROUx6RWRTU0VqVXhScWxEZ0hqN2tHZWJWTDBXUQ?oc=5) · OregonLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64774 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/6.json (key "64774", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64774
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide